10-year return
8.98% p.a.[P1]
1-year return
14.16%[P1]
MySuper Lifecycle. It really does revolve around you.
MySuper Lifecycle will fine-tune your investment mix over time to help you retire with more. It’s a smart investment approach that puts you at its centre.
After you turn 56, it will automatically reduce your exposure to market ups-and-downs. This helps manage investment risk as you approach and enter retirement.
This is the default strategy for all members,
but you can opt out at any time and fine-tune your investments in Member Online.
Why invest with Aware Super?
Strong, long-term performance
Our High Growth option is ranked in the top 10 similar investments for super funds over 10 years. This is where your money is invested during the Grow phase of MySuper Lifecycle.[P1]
Our competitive fees
This can make a big difference to your super balance over time.
We offer competitive fees[F1] and don't charge you to switch options.
Member Online. On-train, on-couch.
Online account access lets you use Member Online and our award-winning[A4] app to check investment returns and performance.
What we invest in
We’re one of Australia’s largest super funds. This means we can choose from a wide range of quality investments in Australia and overseas.
Our aim is to find investments which will perform strongly over the long term. Our goal is to grow your retirement savings, so you can have the retirement you're planning for.
What your super is invested in depends on your investment option or options.
Some examples of our infrastructure investments include:
Stockyard Hill Wind Farm is located around 35km west of Ballarat in Victoria. It has 149 wind turbines with the potential to power around 365,000 homes each year.
Stockyard Hill is one of our investments in infrastructure. Along with infrastructure, we invest in a diversified portfolio that includes investments in Australian and international shares, bonds and cash, as well as property, credit income and private equity.
Frequently asked questions
Aware Super MySuper Lifecycle is our default investment approach for Future Saver members. It changes the way your super is invested as you get closer to retirement. Our investment experts have designed an investment mix that automatically adjusts your investment mix based on your age.
If you don’t make an investment choice when you join Aware Super and open a Future Saver account, all your super is automatically invested in MySuper Lifecycle.
We’ve listed the diversified investment options we offer below for our Future Saver account, organised by investment style.
| Core | Socially Concious | Indexed | |
|---|---|---|---|
| High Growth | High Growth Socially Consious | High Growth Indexed | |
| Balanced | Balanced Socially Concious | Balanced Indexed | |
| Conservative Balanced | |||
| Conservative | |||
| Defensive |
We also offer six single asset class options for members wanting to be more hands-on in choosing and managing their investments. These are:
- Australian Shares
- International Shares
- Property
- Bonds
- Cash
- Term Deposit
The key features of the three diversified investment option styles are summarised below:
- Core - these options use a range of investment managers and investment styles. They include unlisted assets like infrastructure and property investments.
- Indexed - these are low-cost options which invest only in liquid asset classes; like shares, cash and fixed income.
- Socially Conscious - these options seek to avoid or restrict investments in certain industries and companies considered to have a highly adverse environmental or social impact. Investments are selected and managed according to specific restrictions and exclusions.
You can read more about the three diversified investment option styles in the relevant Product Disclosure Statement or Handbook
An asset class is a group of investments with similar characteristics. Examples of asset classes are Australian shares, cash and fixed income.
They are the building blocks of our investment options. Each investment option has an objective, and this objective determines the mix of asset classes in the option. This means different investment options will have a different mix of asset classes.
Asset classes are classified as growth, defensive or a mix of the two. It’s important to understand asset classes. This helps you understand the level of risk and expected return of your investment option(s).
How the investment option is spread across different asset classes is known as its asset allocation, and is a key driver of long-term returns. We have determined an appropriate asset allocation for each diversified option that we believe is most likely to meet the option’s investment objective and is consistent with its risk level.
Each option is assigned a medium to longer-term target asset allocation, as well as asset allocation ranges which are the minimum and maximum amounts we can invest in each asset class. These asset allocation targets and ranges are typically reviewed annually and may change from time-to-time.